Credit union · NCUA insured
Circuit Federal Credit Union Auto Loan Rates
Top CarrotCircuit Federal Credit Union auto loans start at 4.00% APR for a new vehicle and 5.19% for a used one. Rates checked October 16, 2026.
How Circuit Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where Circuit Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Circuit Federal Credit Union
4.00%APR
- Terms
- up to 72 months
- Discount
- None included
New Auto Loans
Lowest rate
EmpireONE Federal Credit Union
3.50%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Niagara's Choice
3.70%APR
- Terms
- —
- Discount
- Included in the rate
Circuit Federal Credit Union auto loan score
89
Auto loan score
Higher than 88% of U.S. banks and credit unions
- New vehicleNew4.00%
- Used vehicleUsed5.19%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Circuit Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto Loans
Based on credit worthiness. 0.25% discount off regular interest rate available for active or retired Military, Law enforcement, Firefighters, Emergency Medical Service, and Educators (proof of service required; one discount per loan).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.59% | As Low as 3.59% |
| up to 48 months | 3.79% | As Low as 3.79% |
| up to 60 months | 3.89% | As Low as 3.89% |
| up to 72 months | 4.99% | As Low as 4.99% |
| up to 72 months | 4.00% | Loan Special at 4.00% |
| up to 84 months | 5.19% | As Low as 5.19% |
| up to 84 months | 4.25% | Loan Special at 4.25% |
Sources (3)
All captured Oct 7, 2026
Used Auto Loans
Based on credit worthiness. 0.25% discount off regular interest rate available for active or retired Military, Law enforcement, Firefighters, Emergency Medical Service, and Educators (proof of service required; one discount per loan).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | As Low as 4.99% |
| up to 48 months | 5.09% | As Low as 5.09% |
| up to 60 months | 5.19% | As Low as 5.19% |
| up to 72 months | 6.19% | As Low as 6.19% |
Sources (3)
All captured Oct 7, 2026
Who can join Circuit Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in the Town of Cheektowaga.
- Membership is open to anyone who lives, works, worships, or attends school in Hamburg, Blasdell, Orchard Park, West Seneca, Depew, Lancaster, or Sloan.
Cost to join
- A minimum share of $25 is required in your account (along with being at least 16 years old) to vote at the annual membership meeting in accordance with bylaws.
Membership information collected October 5, 2026.